Nobody likes thinking about the end, or picking a guardian to raise your children, or having to pick which of your children would best at managing your money in your absence. But the thing about estate planning is, if you don’t do it, you lose your say in how things are handled when you pass away or if you are incapacitated and unable to speak on your own behalf. Without a will, your estate may end up in court, divvied up based on a judge’s decision—not your own.

It sounds great! Retiring with your spouse at the same time would mean you could travel together, take up some hobbies together, have more time to spend as a couple. And how long has it been? Often, by the time we are nearing retirement we have only recently said goodbyes to our youngest child. Which means that over the last 20 or more years, spouses have seen little of each other as day-to-day obligations eat up alone time. It is for these reasons that simultaneous retirement has its appeal

We all know the classic saying, “Time is Money”, right? We also know that time and money are the two things we often wish we had more of. The key to time management and overall life quality will always be finding that balance between what you have to do, what you want to do, and how to afford it all. Outsourcing some of your daily tasks may be a more efficient use of resources than taking the valuable time to do it all yourself. Sure, we could all learn to change our oil or fix a leaky toilet

Do you have any non-qualified stock options (NSOs) granted to you by your employer?  NSOs are a common equity compensation feature provided to management-level employees as part of a compensation package. They give you the opportunity to potentially profit from the price increase in your employer’s stock.  An employee stock option gives you the right to purchase a specific number of shares of your company’s stock at a specific price – the grant or strike price – within a specific time

Imagine that you decide to go to see a new movie.  You hand the cashier at the counter a twenty-dollar bill. She gives you back a ten-dollar bill and a ten-dollar ticket. But when you get to the theater door, you realize you don't know where your ticket is. It's just lost. Do you think you'd pay ten dollars for a new ticket, or would you just head home? If you're like most people, you might be tempted to head home. In fact, when the psychologists Kahneman and Tversky presented this problem

A recent study by DALBAR, a financial research firm, has confirmed that investors who try to time the stock market often dive into the market at the top and flee at the bottom. This fact has actually caused investor results to significantly lag the broader markets over the long haul.